Why Somerset ?

Life, Health &
Employee Benefits is
our specialty and is
ALL we do. We are
an Independent
agency dedicated to
providing the best
service, selection
and price to our

Experience the
difference of an
industry leader.
At Somerset, our
customers always
come first!

Call us at :


WELCOME to Somerset
Your Source for Life, Health and Employee Benefits in New Jersey, New
York and Connecticut!

What's News in Group Benefits?

Medicare Part D- (Perscription Drug Coverage)
You Need to Know...............click Here   

Aetna New Jersey to launch new PPO compatible HSA plans for small

Beginning 7/1/05, Aetna NJ will begin offering two new Healthcare Spending Accounts
(HSA) compatible PPO plans. These plans are ideal for small business owners looking for
affordability when selecting a coverage option. These high-deductible PPO insurance
plans provide employers and employees with an affordable tax-advantage plan that allows
them to better manage qualified medical and dental expenses.

Mergers, Mergers and More Mergers!!!!

United Healthcare & Oxford Health Plans to merge physician networks.

Effective July 1, 2005, these providers will be integrating the majority of the tri-state (New
York, New Jersey and Connecticut) UnitedHealthcare and Oxford Health Plans commercial
physician networks. Combining the networks leverages the best of both companies to
serve you in a unique way. In the short-term, it will expand access, flexibility and choice,
while continuing the traditions of engagement and experience with the market. In the long-
term, it will simplify administration and help augment healthcare affordability.

PacifiCare & UnitedHealthcare to merge

We are pleased to announce that PacifiCare Health Systems, Inc. headquartered in
Cypress, California has reached a definitive agreement to merge with UnitedHealth Group.
To read more click

HIP & GHI Agree to Merge to Create Largest Health Insurer
in New York State

New York, New York, September 29, 2005 – The boards of directors of Group Health,
Incorporated (“GHI”) and HIP Health Plan of New York (“HIP”) have agreed to unite the two
companies under the leadership of a governing Foundation... to read more click

Merger Builds on Shared Consumer Focus and Leadership in Serving Large National
Employers Indianapolis, IN and New York City, NY – September 27, 2005 –

WellPoint, Inc. (NYSE: WLP) and WellChoice, Inc. (NYSE: WC) jointly announced today
that they have signed a definitive merger agreement whereby WellChoice would operate
as a wholly owned subsidiary of WellPoint. To read more click
At Somerset, we use our extensive carrier relationships to provide you with the most
choice and best price in health insurance and employee benefits. We provide group
health insurance and employee benefits to employers of all sizes in any industry in the
tri-state area (NJ, NY, CT). We also provide options for retirement such as 401k plans,
and business succession planning as well as individual life insurance policies.
YOU HAVE A CHOICE in Service!  
Experience the
difference at Somerset!

Call us at 1-908-231-0303 or
TOLL FREE at 1-877-925-2433
or use the buttons on the Navigation Bar
to request a quote.

We look forward to serving you!
Life & Health Insurance Agency, Inc.                                      1-908-231-0303
Life and Disability Insurance, Long Term Care, Medicare Supplement
Over 25 years experience
Call us toll free at 1-877-925-2433 or 1-908-231-0303